{"attribution":{"compiledBy":"Hong Kong Insurance Connect","compiledByZh":"港險通","legalName":"Pineapple bun bun Limited","url":"https://buyhongkonginsurance.com","license":"© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.","cite":"Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link."},"group":{"slug":"insurer-sun-life-hong-kong-limited-savings-participating","kind":"insurer","type":"savings-participating"},"summary":{"en":"This page compares 7 products. Compare recorded product facts and their public sources. Payment options, age conditions and currencies remain separate facts. Shared labels do not confirm eligibility. Check each option's conditions.","zh-hant":"本頁比較 7 款產品。 比較已記錄的產品事實及公開來源。繳費選項、年齡條件及貨幣分別列示。 相同標籤不代表符合投保資格；請核對各選項條件。","zh-hans":"本页比较 7 款产品。 比较已记录的产品事实及公开来源。缴费选项、年龄条件及货币分别列示。 相同标签不代表符合投保资格；请核对各选项条件。"},"ratioCaveat":{"en":"Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.","zh-hant":"過往分紅實現率並非未來表現的指標。非保證利益可能 改變。此處僅提供一般資訊，沒有排名或產品推薦。","zh-hans":"过往分红实现率并非未来表现的指标。非保证利益可能 改变。此处仅提供一般信息，没有排名或产品推荐。"},"comparableFields":["type","currencies","premiumTerms","benefitTerm","issueAges","minimumPremium","keyFeatures","status"],"products":[{"slug":"sun-life-royalfortune","names":{"en":"RoyalFortune","zh-hant":"永譽傳承儲蓄計劃","zh-hans":"永誉传承储蓄计划"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-royalfortune/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-royalfortune/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-royalfortune/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"savings-participating","display":{"en":["Participating savings"],"zh-hant":["分紅儲蓄"],"zh-hans":["分红储蓄"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/wealth-management/savings/royalfortune/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD"],"display":{"en":["USD"],"zh-hant":["USD"],"zh-hans":["USD"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/RoyalFortune_PB_EN.pdf","page":15,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"single","value":null,"notes":null}],"display":{"en":["Single premium"],"zh-hant":["整付保費"],"zh-hans":["整付保费"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/RoyalFortune_PB_EN.pdf","page":15,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":120,"notes":{"en":"Earlier of age 120 of current insured (younger insured for joint life) and 120 years from policy issue.","zh-hant":"現任受保人（聯合保單為較年輕者）120歲或保單簽發後120年，以較早者為準。","zh-hans":"现任被保险人（联合保单为较年轻者）120岁或保单签发后120年，以较早者为准。"}},"display":{"en":["To age 120 / Earlier of age 120 of current insured (younger insured for joint life) and 120 years from policy issue."],"zh-hant":["至年齡 120 / 現任受保人（聯合保單為較年輕者）120歲或保單簽發後120年，以較早者為準。"],"zh-hans":["至年龄 120 / 现任被保险人（联合保单为较年轻者）120岁或保单签发后120年，以较早者为准。"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/RoyalFortune_PB_EN.pdf","page":15,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":0,"unit":"years"},"max":{"value":80,"unit":"years"},"basis":null,"notes":null}],"display":{"en":["0 years to 80 years / Age basis: Not confirmed"],"zh-hant":["0歲至80歲 / 年齡基準: 未確認"],"zh-hans":["0岁至80岁 / 年龄基准: 未确认"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/RoyalFortune_PB_EN.pdf","page":15,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"minimumPremium","value":{"value":20000,"currency":"USD","basis":"single","notes":{"en":"Temporary notional minimum through 31 December 2026, subject to conditions. Standard brochure minimum: USD125,000.","zh-hant":"限時名義金額下限至2026年12月31日，受條件限制。產品冊一般下限：USD125,000。","zh-hans":"限时名义金额下限至2026年12月31日，受条件限制。产品册一般下限：USD125,000。"}},"display":{"en":["USD 20,000 / Single premium / Temporary notional minimum through 31 December 2026, subject to conditions. Standard brochure minimum: USD125,000."],"zh-hant":["USD 20,000 / 整付保費 / 限時名義金額下限至2026年12月31日，受條件限制。產品冊一般下限：USD125,000。"],"zh-hans":["USD 20,000 / 整付保费 / 限时名义金额下限至2026年12月31日，受条件限制。产品册一般下限：USD125,000。"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/wealth-management/savings/royalfortune/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/RoyalFortune_PB_EN.pdf","page":15,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Guaranteed cash value and potential bonuses","zh-hant":"保證現金價值及潛在紅利","zh-hans":"保证现金价值及潜在红利"},{"en":"Value lock-in option, subject to conditions","zh-hant":"價值鎖定選項，受條件限制","zh-hans":"价值锁定选项，受条件限制"},{"en":"Flexible policy withdrawals, subject to conditions","zh-hant":"靈活保單提款，受條件限制","zh-hans":"灵活保单提款，受条件限制"}],"display":{"en":["Guaranteed cash value and potential bonuses","Value lock-in option, subject to conditions","Flexible policy withdrawals, subject to conditions"],"zh-hant":["保證現金價值及潛在紅利","價值鎖定選項，受條件限制","靈活保單提款，受條件限制"],"zh-hans":["保证现金价值及潜在红利","价值锁定选项，受条件限制","灵活保单提款，受条件限制"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/wealth-management/savings/royalfortune/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/RoyalFortune_PB_EN.pdf","page":15,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"status","value":"on-sale","display":{"en":["On sale (at source date)"],"zh-hant":["發售中（來源日期）"],"zh-hans":["发售中（来源日期）"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/wealth-management/","page":null,"title":"Individual catalogue: published name and listed sale status; null fields not confirmed","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"sun-life-stellar-ii","names":{"en":"Stellar Multi-Currency Insurance Plan II","zh-hant":"永越多元貨幣保險計劃 II","zh-hans":"永越多元货币保险计划 II"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-stellar-ii/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-stellar-ii/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-stellar-ii/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"savings-participating","display":{"en":["Participating savings"],"zh-hant":["分紅儲蓄"],"zh-hans":["分红储蓄"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/stellar-mc-ii-pb-en.pdf","page":23,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD","CAD","GBP","CNY","AUD","HKD"],"display":{"en":["USD / CAD / GBP / CNY / AUD / HKD"],"zh-hant":["USD / CAD / GBP / CNY / AUD / HKD"],"zh-hans":["USD / CAD / GBP / CNY / AUD / HKD"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/stellar-mc-ii-pb-en.pdf","page":23,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":3,"notes":null},{"kind":"years","value":6,"notes":null},{"kind":"years","value":12,"notes":null},{"kind":"years","value":18,"notes":null}],"display":{"en":["3 years","6 years","12 years","18 years"],"zh-hant":["3 年","6 年","12 年","18 年"],"zh-hans":["3 年","6 年","12 年","18 年"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/stellar-mc-ii-pb-en.pdf","page":23,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":null},"display":{"en":["Whole life"],"zh-hant":["終身"],"zh-hans":["终身"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/stellar-mc-ii-pb-en.pdf","page":23,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":0,"unit":"years"},"max":{"value":80,"unit":"years"},"basis":null,"notes":{"en":"3-year premium payment term.","zh-hant":"3年繳費年期。","zh-hans":"3年缴费期限。"}},{"min":{"value":0,"unit":"years"},"max":{"value":75,"unit":"years"},"basis":null,"notes":{"en":"6-year premium payment term.","zh-hant":"6年繳費年期。","zh-hans":"6年缴费期限。"}},{"min":{"value":0,"unit":"years"},"max":{"value":65,"unit":"years"},"basis":null,"notes":{"en":"12-year premium payment term.","zh-hant":"12年繳費年期。","zh-hans":"12年缴费期限。"}},{"min":{"value":0,"unit":"years"},"max":{"value":60,"unit":"years"},"basis":null,"notes":{"en":"18-year premium payment term.","zh-hant":"18年繳費年期。","zh-hans":"18年缴费期限。"}}],"display":{"en":["0 years to 80 years / Age basis: Not confirmed / 3-year premium payment term.","0 years to 75 years / Age basis: Not confirmed / 6-year premium payment term.","0 years to 65 years / Age basis: Not confirmed / 12-year premium payment term.","0 years to 60 years / Age basis: Not confirmed / 18-year premium payment term."],"zh-hant":["0歲至80歲 / 年齡基準: 未確認 / 3年繳費年期。","0歲至75歲 / 年齡基準: 未確認 / 6年繳費年期。","0歲至65歲 / 年齡基準: 未確認 / 12年繳費年期。","0歲至60歲 / 年齡基準: 未確認 / 18年繳費年期。"],"zh-hans":["0岁至80岁 / 年龄基准: 未确认 / 3年缴费期限。","0岁至75岁 / 年龄基准: 未确认 / 6年缴费期限。","0岁至65岁 / 年龄基准: 未确认 / 12年缴费期限。","0岁至60岁 / 年龄基准: 未确认 / 18年缴费期限。"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/stellar-mc-ii-pb-en.pdf","page":23,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"minimumPremium","value":{"value":1000,"currency":"USD","basis":"annual","notes":{"en":"18-year term: USD1,000/year; 3-year: USD8,000; 6-year: USD2,000; 12-year: USD1,500. Other currencies: see table.","zh-hant":"18年繳費。美元最低年繳保費：3年繳8,000美元；6年繳2,000美元；12年繳1,500美元；18年繳1,000美元。其他貨幣門檻不同，請參閱小冊子表格。","zh-hans":"18年缴费。美元最低年缴保费：3年缴8,000美元；6年缴2,000美元；12年缴1,500美元；18年缴1,000美元。其他币种门槛不同，请参阅产品手册表格。"}},"display":{"en":["USD 1,000 / Annual / 18-year term: USD1,000/year; 3-year: USD8,000; 6-year: USD2,000; 12-year: USD1,500. Other currencies: see table."],"zh-hant":["USD 1,000 / 每年 / 18年繳費。美元最低年繳保費：3年繳8,000美元；6年繳2,000美元；12年繳1,500美元；18年繳1,000美元。其他貨幣門檻不同，請參閱小冊子表格。"],"zh-hans":["USD 1,000 / 每年 / 18年缴费。美元最低年缴保费：3年缴8,000美元；6年缴2,000美元；12年缴1,500美元；18年缴1,000美元。其他币种门槛不同，请参阅产品手册表格。"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/stellar-mc-ii-pb-en.pdf","page":23,"title":"Official brochure: visually confirmed minimum annual premium table by payment term","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Six policy currencies with currency change, subject to approval","zh-hant":"六種保單貨幣，可申請轉換，須批核","zh-hans":"六种保单货币，可申请转换，须批准"},{"en":"Guaranteed cash value and non-guaranteed bonuses","zh-hant":"保證現金價值及非保證紅利","zh-hans":"保证现金价值及非保证红利"},{"en":"Change of insured option, subject to conditions","zh-hant":"轉換受保人選項，受條件限制","zh-hans":"更换被保险人选项，受条件限制"}],"display":{"en":["Six policy currencies with currency change, subject to approval","Guaranteed cash value and non-guaranteed bonuses","Change of insured option, subject to conditions"],"zh-hant":["六種保單貨幣，可申請轉換，須批核","保證現金價值及非保證紅利","轉換受保人選項，受條件限制"],"zh-hans":["六种保单货币，可申请转换，须批准","保证现金价值及非保证红利","更换被保险人选项，受条件限制"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/wealth-management/savings/stellar-multi-currency-ii/","page":null,"title":"Official product page: product description and features","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/stellar-mc-ii-pb-en.pdf","page":23,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"status","value":"on-sale","display":{"en":["On sale (at source date)"],"zh-hant":["發售中（來源日期）"],"zh-hans":["发售中（来源日期）"]},"sources":[{"url":"https://www.sunlife.com.hk/en/insurance/wealth-management/","page":null,"title":"Individual catalogue: published name and listed sale status; null fields not confirmed","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"sun-life-sungift-global-ii","names":{"en":"SunGift Global Insurance Plan II","zh-hant":"萬年青•星河傳承保險計劃 II","zh-hans":"万年青•星河传承保险计划 II"},"nameBasis":"insurer-published","insurerSlug":"sun-life-hong-kong-limited","productPaths":["/insurers/sun-life-hong-kong-limited/sun-life-sungift-global-ii/","/zh-hant/insurers/sun-life-hong-kong-limited/sun-life-sungift-global-ii/","/zh-hans/insurers/sun-life-hong-kong-limited/sun-life-sungift-global-ii/"],"insurerPaths":["/insurers/sun-life-hong-kong-limited/","/zh-hant/insurers/sun-life-hong-kong-limited/","/zh-hans/insurers/sun-life-hong-kong-limited/"],"facts":[{"field":"type","value":"savings-participating","display":{"en":["Participating savings"],"zh-hant":["分紅儲蓄"],"zh-hans":["分红储蓄"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/sungiftglobal-ii-pb-en.pdf","page":26,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["USD","CAD","GBP","CNY","AUD","HKD","EUR","SGD","AED","CHF"],"display":{"en":["USD / CAD / GBP / CNY / AUD / HKD / EUR / SGD / AED / CHF"],"zh-hant":["USD / CAD / GBP / CNY / AUD / HKD / EUR / SGD / AED / CHF"],"zh-hans":["USD / CAD / GBP / CNY / AUD / HKD / EUR / SGD / AED / CHF"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/sungiftglobal-ii-pb-en.pdf","page":26,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"years","value":2,"notes":null},{"kind":"years","value":5,"notes":null}],"display":{"en":["2 years","5 years"],"zh-hant":["2 年","5 年"],"zh-hans":["2 年","5 年"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/sungiftglobal-ii-pb-en.pdf","page":26,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":{"en":"Life of current insured, or current younger insured for joint life.","zh-hant":"現任受保人終身；聯合保單為現任較年輕受保人終身。","zh-hans":"现任被保险人终身；联合保单为现任较年轻被保险人终身。"}},"display":{"en":["Whole life / Life of current insured, or current younger insured for joint life."],"zh-hant":["終身 / 現任受保人終身；聯合保單為現任較年輕受保人終身。"],"zh-hans":["终身 / 现任被保险人终身；联合保单为现任较年轻被保险人终身。"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/sungiftglobal-ii-pb-en.pdf","page":26,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":0,"unit":"years"},"max":{"value":80,"unit":"years"},"basis":null,"notes":{"en":"2-year premium payment term.","zh-hant":"2年繳費年期。","zh-hans":"2年缴费期限。"}},{"min":{"value":0,"unit":"years"},"max":{"value":75,"unit":"years"},"basis":null,"notes":{"en":"5-year premium payment term.","zh-hant":"5年繳費年期。","zh-hans":"5年缴费期限。"}}],"display":{"en":["0 years to 80 years / Age basis: Not confirmed / 2-year premium payment term.","0 years to 75 years / Age basis: Not confirmed / 5-year premium payment term."],"zh-hant":["0歲至80歲 / 年齡基準: 未確認 / 2年繳費年期。","0歲至75歲 / 年齡基準: 未確認 / 5年繳費年期。"],"zh-hans":["0岁至80岁 / 年龄基准: 未确认 / 2年缴费期限。","0岁至75岁 / 年龄基准: 未确认 / 5年缴费期限。"]},"sources":[{"url":"https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/sungiftglobal-ii-pb-en.pdf","page":26,"title":"Official product brochure: basic plan terms (not rider terms)","date":null,"checkedOn":"2026-10-12"}]},{"field":"minimumPremium","value":{"value":3000,"currency":"USD","basis":"annual","notes":{"en":"5-pay: USD3,000; 2-pay: USD15,000 annually. 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